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Midstates Bank, National Association

Council Bluffs, IA · Cert 4465 · Midstates Bancshares Inc.

National charter · OCC · 10 branches

Q2 2026

$653.9MAssets
$429.5MLoans
$570.2MDeposits
$66.3MEquity
Loan mix
92%RE $283.6M7%C&I $22.8M1%Consumer $2.8MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $452.4M21%Noninterest $117.8MQ3 2024Q2 2026

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.8% share · #19 of 77 inst. · $0.3B of $42.7B

9.9% Pottawattamie
17.9% Shelby
6.9% Plymouth
18.8% Harrison

Executive Summary

  • Earnings: ROA of 1.32%, up 48 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.29% of loans (-46 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.60%, up 72 bps from a year ago.
  • Funding: loans stand at 75.32% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.32%+48 bps YoY

Net Interest Margin (quarter, annualized)

3.68%+42 bps YoY

Efficiency Ratio (quarter, annualized)

54.20%-795 bps YoY

Tier 1 Leverage Ratio

11.60%+72 bps YoY

NIM

4.49%Q2 ’244.66%Q2 ’254.95%Q2 ’26+15%+13%

Non-interest income vs. expense

2.54%Q2 ’242.52%Q2 ’252.36%Q2 ’26-8%-4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.64%0.86%0.84%0.99%1.29%1.12%1.32%+48 bps
Return on Equity9.05%7.61%10.27%9.32%10.20%12.65%10.72%12.78%+346 bps
Net Interest Margin2.89%2.93%3.13%3.26%3.35%4.14%3.58%3.68%+42 bps
Efficiency Ratio65.44%68.14%62.25%62.15%58.84%46.52%54.91%54.20%-795 bps
Non-Interest Burden1.99%2.12%2.06%2.09%2.06%1.88%2.14%2.02%-7 bps
Growth
Asset Growth (YoY)2.92%-2.75%-0.42%-2.20%-1.36%-0.55%-0.86%4.94%+714 bps
Loan Growth (YoY)2.96%-0.56%-1.32%0.88%0.31%3.95%5.73%5.75%+487 bps
Deposit Growth (YoY)2.74%2.67%0.16%-3.27%-2.76%-2.93%-2.87%6.03%+931 bps
Asset Quality
Nonperforming Loans / Loans0.93%0.77%0.99%0.75%0.74%0.29%0.34%0.29%-46 bps
Net Charge-Offs / Loans0.01%0.00%0.00%-0.01%-0.01%-0.17%0.05%-0.01%0 bps
Allowance / Loans2.13%2.14%2.16%2.17%2.17%2.15%2.13%2.14%-3 bps
Allowance Coverage of NPLs2.3x2.8x2.2x2.9x2.9x7.4x6.2x7.4x+4.5x
Capital
Tier 1 Leverage Ratio10.33%10.34%10.65%10.88%11.44%11.64%11.80%11.60%+72 bps
Total Risk-Based Capital16.57%16.82%17.16%17.56%17.70%17.82%17.83%18.05%+49 bps
Equity / Assets8.64%8.10%8.66%9.38%10.04%10.40%10.52%10.14%+76 bps
Liquidity & Funding
Loans / Deposits75.24%72.81%72.59%75.53%77.62%77.97%79.01%75.32%-20 bps
Liquid Assets / Assets0.30%1.35%2.48%0.39%0.77%1.20%1.05%1.13%+74 bps
CRE / Total Capitaln/an/an/an/a175.29%175.36%174.41%n/an/a